Your Trusted Information Source

Last revised 7/16/2011

OUR COMMITMENT TO YOUR PRIVACY

We understand that you value your privacy. Except as described in this Privacy Policy, or unless we are given permission by you, we will not sell or disclose your personally identifiable information to third parties.

We help consumers research Annuities and other investment products by connecting consumers with insurance agents or financial planners who deliver information which has been customized based on a suitability assessment. By clicking "Submit Form" and requesting an information booklet and suitability consultation, you agree that we may use the information you share with us to help match you with the appropriate specialist to deliver the requested information about annuities, reverse mortgages, or other products or services, as applicable. By clicking "Submit Form" you also agree to this Privacy Policy and consent to your receipt of information and and confirmations via email from: contact@annuity.cc. If you no longer wish to receive promotional emails from us you may opt-out at any time by using the unsubscribe link located at the bottom of each email communication or unsubscribe through this link.

INFORMATION WE COLLECT AND HOW WE USE IT
What do we collect and how do we use it? We use your location information to pair you with the closest available information agent who will then contact you to provide your requested information and suitability consultation. While we make every effort to discourage our specialists to abaide by respectful terms of privacy, they are third party information providers and we are not responsible, and cannot be held liable, if another third party to whom we have forwarded any of the information you submitted to us violates our Privacy Policy or such third party's own privacy policy (if any), or otherwise violates the law.

Examples of personally identifiable information you submit to us includes:
  • First and Last Name
  • Mailing Address
  • Email Address
  • Phone Number
  • Date of Birth


We use your personally identifiable information for such purposes as:
  • To contact you in response to your requests for information; and
  • To provide you with necessary information presented by a single Provider who may contact you using the information you provide or to conduct a suitability assessment for the product you requested information about.
Further, we may aggregate information we receive from you and from our other users and may use or disclose such aggregate information to third parties in a manner that does not disclose any individual user's personally identifiable information, for example, reporting the number of individuals requesting specific types of information in a given state, over teh course of several years, etc.

AS STATED ABOVE, BY CLICKING "SUBMIT FORM" AND SEEKING A BOOKLET OR QUOTE REQUEST, YOU AUTHORIZE AND AGREE THAT A PROVIDER MAY CONTACT YOU TO PROVIDE YOU WITH YOUR REQUESTED INFORMATION OR A QUOTE.

USAGE TRACKING
Usage Data Generally. Like many internet companies, we track website and service usage data to improve the services we offer and the security of your interaction with the site. We collect user traffic patterns throughout our website. This information is collected to help improve website flow and usability. In addition, we track click-through information, including IP addresses, to our website from the reports and emails we send to our users. This is done to gauge the effectiveness of our marketing campaigns, to discourage fraudulent use and to improve the security of our site and your interaction with the site.

Cookies: We do not place text files called "cookies" in the browser files of your computer. We do not store personally identifiable information in cookies. The use of cookies by our third-party partners or affiliates is not covered by this Privacy Policy. We do not have access to or control over these cookies. Further, we and our partners, subsidiaries or affiliates may use session ID cookies to make it easier for you to navigate our site(s).

Clear GIFs (Web Beacons/Web Bugs) Some of our third-party advertising partners employ a software technology called clear gifs (also called Web Beacons or Web Bugs) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to any user's personally identifiable information.

User Access. We make a good-faith effort to enable you to update personally identifiable information you have provided to us and to enable you to request deletion of any of your information. If you wish to delete or update any of your personal information please email us at contact@annuity.cc . Please understand that while we are able to delete or update the information that we have received from you, this does not necessarily mean that information about you that has already been shared by us with other Providers may, at the same time, be updated or deleted by such other Providers. So, in some cases it may be necessary for you to contact other third parties who may have received your information and separately request updates to or deletions of your information. We may decline to process user requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, would be extremely impractical, or where information is required to be retained by us, either by law or for legitimate business purposes. Further, if you are specialist with a profile on our site, you may login to your account at any time to correct, update or delete inaccuracies in your personal information.

INFORMATION TRANSFER AND SHARING POLICY
When you provide personally identifiable information to us, you do so for the purpose of our sharing this information with a the closest available specialist to provide you with the booklets and/or quotes you requested, and this information then becomes subject to that specialist's privacy policy (if any). Federal and state laws provide limitations on the information practices of financial institutions such as insurance companies. The specialist to whom we forward your personally identifiable information may contact you with information, consultation, or quote by email, telephone, postal mail, or other forms of communication as permitted by law and you agree to receive such contacts when you submit your information, regardless of the presence of your phone number(s) on any local or national no-call or similar no solicitation list. Except as disclosed in this Privacy Policy, we do not share personally identifiable information collected from you on this website with third parties for their direct marketing purposes. Please understand that because we are in the business of helping consumers find an appropriate information resource to meet their needs, if you are a consumer and you do not permit us to share your personally identifiable information with a specialist, we will be unable to assist you. We expect our specialist to whom we forward your information to follow applicable laws and abide by the restrictions we impose on their use of your personally identifiable information. If you are unhappy with your experience, please provide us with the details.

Protecting Our Legal Rights and Other's Rights. We do not otherwise share personally identifiable information about website users with third parties unless we believe using or sharing such information is appropriate to carry out a user's request or if we have a good-faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce our Terms and Conditions of Use, including investigation of potential violations thereof, (c) detect, prevent or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of the Company, its users or the public as required or permitted by law.

We reserve the right to disclose your personally identifiable information as required by law or when we believe that disclosure is necessary to protect our rights and/or comply with a legal or judicial proceeding or court order.

Merger or Sale of Company. If we should ever file for bankruptcy or have our assets sold to or merged with another entity, information that we receive from you through this website may be treated as an asset of the Company and may be transferred to the fullest extent permitted by law.

MARKETING AND OTHER COMMUNICATIONS
When you submit information to us, you agree to receive email, phone, and other forms of communications from annuity.cc and the information specialist that is assigned to you. If you would like to opt-out of receiving communications from us in the future, please unsubscribe here or by following the unsubscribe link located at the bottom of any of our email communications. Your decision to opt-out shall not preclude us from communicating with you regarding your existing or past relationship with us and shall not preclude us, including our employees, contractors and other representatives, from accessing and using the information you have provided in a manner that is not personally identifying (such as in aggregate or anonymous form). If you do not wish to receive further communications from any person or entity (specialist) to whom we have forwarded your information with your permission, you must contact them directly.

AFFILIATED WEBSITES, OTHER WEBSITES, AND ADVERTISEMENTS
This Privacy Policy applies to websites and services that are owned and operated by Infofuel Production Co. We do not exercise control over the websites of third parties that you may link to or view as part of a frame on a page on this website. These other sites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. You should always be careful in how you use and share any sensitive personal information with any third party.

CUSTOMER TESTIMONIALS/REVIEWS
We post customer testimonials/reviews on our sites, which may contain personally identifiable information. We do obtain the providing customer's consent prior to posting any such testimonial/review.

AUTHORIZED USERS
This website is hosted in the United States and is intended exclusively for U.S. residents. In using this website you represent and warrant that you have any and all necessary authorization to submit the information contained in your requests, and that you expressly consent to the transfer, use, and forwarding by us of the information you provide to us through the website and to the United States.

SECURITY
No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure security on our systems. We use secure server software and firewalls as part of our efforts to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of such firewalls and secure server software. By using our site, you acknowledge that you understand and agree to assume these risks.

The security of your personal information is important to us. We do not collect sensitive information (such as social security number, Driver's license number, national ID, personal health information) on our information request forms, but if we learn of a security systems breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using this website or providing personally identifiable information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of this website. We may post a notice on our website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us through the contact information listed below.

CHANGES AND UPDATES
We may occasionally update this Privacy Policy, and we expect that most such changes will be minor. When we make changes, we will also revise the "revised date" on the Privacy Policy. If we should decide to change this Privacy Policy in a manner that we believe would cause us to use or share your previously provided personally identifiable information in a way that we think is materially broader or less privacy-friendly from what we have told you here, we will make reasonable efforts to obtain your consent. To do this we may notify you on our homepage or this policy, by email or using other means and technology we think are appropriate given the changes. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting the personally identifiable information we collect. Your submission of a quote or booklet request and/or other use of this website constitutes your agreement to this Privacy Policy and any updates.

CONTACTING US
If you have any questions, comments, or concerns about us or this Privacy Policy, please contact us:

annuity.cc / infofuel production co.
po box 8464
boise, ID 83707
contact@annuity.cc
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